2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...

Page created by Sean Buchanan
 
CONTINUE READING
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
2022
       benefits
       at a
       glance

Find this document and more information about your benefits online, on Stryker’s Total Rewards site at
totalrewards.stryker.com. Access it at work, at home and on most mobile devices.
                                                                                                         Updated: 12/14/21
1763363 09/21
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
2   Your Total Rewards                                     23    Wellbeing program

         Table of                                                       3   Medical and prescription plans                         24    Tobacco cessation program

         contents
                                                                        3 		    UnitedHealthcare                                   25 Employee Assistance Program
                                                                        8 		    Kaiser Permanente of California                    		(EAP)

                                                                        9		     Blue Cross Blue Shield of Alabama                  26    Group life insurance
                                                                      12		 Hawaii Medical Service                                  27 Short-term and long-term
                                                                      			 Association                                              		disability

         Click any of                                                  14   Supplemental health benefits                           28    Adoption assistance
         the titles on the
                                                                       15		     Critical illness insurance
         right to be taken                                                                                                         29    Tuition reimbursement plan
         directly to that                                              16		     Accident insurance
         section.                                                                                                                  30    401(k) plan
                                                                       17		     Hospital indemnity insurance
                                                                                                                                   31 Employee Stock Purchase
                                                                       18   Dental plan                                            		 Plan (ESPP)

                                                                      20    Vision plan                                            32    Cost of coverage

                                                                        Flexible Spending Accounts
                                                                       21
                                                                      		(FSAs)

                                                                      22Health Savings Account
                                                                      		(HSA)

The benefits outlined in this document are summaries only and are subject to the actual provisions of the respective plan documents in effect covering such benefits. Stryker reserves the
right to alter, modify, amend, or terminate these benefits within the law, in a manner in which we believe to be in our and our associates’ best interest as affected by business conditions.
If there are any differences between the information in this summary and the plan documents or contracts, the plan document or contract will prevail.

2022 benefits at a glance                                                                                                                                                                       1
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
Your Total Rewards
         At Stryker, we understand that your health and wellbeing are important. That’s why we offer you
         a comprehensive Total Rewards package, which helps protect your (and your family’s) health and
         finances so you can focus on life and work.

              Health                          Money                                 Work/Life
              Medical and prescription drug   Health Savings Account (HSA)          International business travel policy
              Critical illness insurance      Flexible Spending Accounts (FSAs)     Holidays
              Accident insurance              401(k) plan                           Vacation/Sick time
              Hospital indemnity insurance    Employee Stock Purchase Plan          Bereavement
              Dental                          (ESPP)                                Parental leave
              Vision                          Basic life and AD&D insurance         Military leave
              Wellbeing program               Supplemental life insurance           Caregiver leave
              Tobacco cessation program       Short-term and long-term              Employee Assistance Program (EAP)
                                              disability insurance
                                                                                    Adoption assistance
                                              Employee discounts
                                                                                    Breast milk shipping
                                              Tuition reimbursement

                                                                   Learn more by visiting totalrewards.stryker.com.

2022 benefits at a glance                                                                                                  2
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
UnitedHealthcare
                                                                                                                              Choice Plus Network
                                                                                                                              800 387 7508
                                                                                                                              Group number —703997

         Medical and prescription plans
                                                                                                                              myUHC.com

                                                                                                                              Plans may vary by ZIP
         Your health matters, which is why our benefits program includes medical                                              code. Please refer to your
         plan options with a range of coverage levels and costs designed to meet the                                          Summary Plan Description
                                                                                                                              (SPD) available at
         diverse needs of our employees. When you enroll in a medical plan, you                                               totalrewards.stryker
         automatically receive prescription drug benefits through your medical plan                                           .com/spd. For part-time
         provider. It’s important to take advantage of all the benefits your medical                                          rates, please contact
                                                                                                                              myHR.
         plan provides, including free in-network preventive care.
         To learn more about your medical plans, including plan details and
         covered services, visit totalrewards.stryker.com.

         Medical plan — UnitedHealthcare PPO plans
         The UnitedHealthcare (UHC) PPO plan options are available to employees in most Stryker
         locations. If you reside in Alabama, California or Hawaii, alternative medical/prescription drug
         plans are offered.

           Plan provision                     UHC Choice PPO                           UHC Value PPO                            Out-of-area
           Annual deductible                  In-network             Out-of-network*   In-network           Out-of-network*     Out-of-area**

           Employee                           $350                   $700              $750                 $1,500              $350

           Employee + 1                       $700                   $1,400            $1,500               $3,000              $700

           Family                             $1,050                 $2,100            $2,250               $4,500              $1,050
           Annual out-of-pocket               In-network             Out-of-network*   In-network           Out-of-network*     Out-of-area**
           maximum for coinsurance
           Employee                           $2,950                 $5,900            $4,250               $8,500              $2,950

           Employee + 1                       $5,900                 $11,800           $8,500               $17,000             $5,900
           Family                             $6,250                 $12,500           $9,250               $18,500             $6,250
         *Maximum Non-Network Reimbursement Program (MNRP) guidelines apply
         **Reasonable & Customary (R&C) guidelines apply

2022 benefits at a glance                                                                                                                                  3
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
Medical and prescription plans—UnitedHealthcare PPO plans (continued)

                                                     UHC Choice PPO and UHC Value PPO                                                      Out-of-area
                                                     In-network                                 Out-of-network*                            Out-of-area**

                                                     You pay                                    You pay                                    You pay

           Preventive care                           $0 copay                                   40% not subject to deductible              $0 copay
           Office visits
           Primary care                              $25 copay                                  40% after deductible                       20% after deductible
           Specialist                                $40 copay                                  40% after deductible                       20% after deductible
           Mental health and substance
           abuse treatment***
           Inpatient                                 20% after deductible                       40% after deductible                       20% after deductible
           Outpatient                                $25 copay                                  40% after deductible                       20% after deductible
           Emergency care
           Medical emergency                         $150 copay; waived if admitted             $150 copay; waived if admitted             $150 copay; waived if admitted
           Non-emergency                             Not covered                                Not covered                                Not covered
           Urgent care/walk-in                       $40 copay                                  40% after deductible                       20% after deductible
           Hospital service                          Prior authorization required               Prior authorization required               Prior authorization required
           Inpatient/outpatient                      20% after deductible                       40% after deductible                       20% after deductible
           Lab and X-ray                             20% after deductible                       40% after deductible                       20% after deductible
                                                     (preventive covered at 100%)                                                          (preventive covered at 100%)
         *Maximum Non-Network Reimbursement Program (MNRP) guidelines apply
         **Reasonable & Customary (R&C) guidelines apply
         ***In general, your network provider must obtain prior authorization from UnitedHealthcare, as described in the Summary Plan Description at totalrewards.stryker.com/spd,
            before you receive certain covered health services. There are some network benefits, however, for which you are responsible for obtaining prior authorization from
            UnitedHealthcare.
                                                       Prescription plan copayments
                                                       Tier 1                       Tier 2                      Tier 3                      Drug formulary required?

           Retail – 30-day supply                      $10                          $25                         $50                         Yes

           Mail order – 90-day supply                  $25                          $62.50                      $125                        Yes
         Notes:
         • Some Affordable Care Act (ACA) preventive medications are covered at 100% with no copay requirement.
         • For more information, including your Advantage 3-Tier Prescription Drug List (PDL), visit totalrewards.stryker.com.

2022 benefits at a glance                                                                                                                                                             4
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
UnitedHealthcare
                                                                                                                                                           Choice Plus Network
                                                                                                                                                           800 387 7508
                                                                                                                                                           Group number —703997

         Medical and prescription plans
                                                                                                                                                           myUHC.com

         Medical plan — UnitedHealthcare HSA plans
         The UnitedHealthcare (UHC) HSA plan options are available to employees in most Stryker
         locations. If you reside in Alabama, California or Hawaii, alternative medical/prescription drug
         plans are offered.

           Plan provision                            UHC Premium HSA                                                   UHC Basic HSA
           2022 HSA contribution from Stryker

           Employee                                  $500                                                              $250

           All other coverage tiers                  $1,000                                                            $500

           Annual deductible*                        In-network                       Out-of-network**                 In-network                       Out-of-network**
           Employee                                  $1,500                           $3,000                           $2,500                           $5,000
           All other coverage tiers                  $3,000                           $6,000                           $5,000                           $10,000
           Annual out-of-pocket                      In-network                       Out-of-network**                 In-network                       Out-of-network**
           maximum for coinsurance

           Employee                                  $5,000                           $10,000                          $6,450                           $12,900

           All other coverage tiers                  $10,000                          $20,000                          $12,900                          $25,800
         *In HSA plans, the total family deductible must be met before the plan covers any expenses. No one family member’s expenses are capped at an individual deductible amount.
         **Maximum Non-Network Reimbursement Program (MNRP) guidelines apply

2022 benefits at a glance                                                                                                                                                             5
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
Medical plan — UnitedHealthcare HSA plans (continued)

                                                     UHC Premium HSA                                                 UHC Basic HSA
                                                     In-network                      Out-of-network*                 In-network                      Out-of-network*

                                                     You pay                         You pay                         You pay                         You pay
           Preventive care                           0%                              40% not subject to              0%                              50% not subject to
                                                                                     deductible                                                      deductible
           Office visits
           Primary care and specialist               20% after deductible            40% after deductible            30% after deductible            50% after deductible
           Mental health and substance
           abuse treatment**
           Inpatient and outpatient                  20% after deductible            40% after deductible            30% after deductible            50% after deductible
           Emergency care
           Medical emergency                         20% after deductible            20% after deductible            30% after deductible            30% after deductible
           Non-emergency                             Not covered                     Not covered                     Not covered                     Not covered
           Urgent care/walk-in                       20% after deductible            20% after deductible            30% after deductible            30% after deductible
           Hospital service                          Prior authorization             Prior authorization             Prior authorization             Prior authorization
           Inpatient/outpatient                      required                        required                        required                        required
                                                     20% after deductible            40% after deductible            30% after deductible            50% after deductible

           Lab and X-ray                             20% after deductible            40% after deductible            30% after deductible            50% after deductible
         *Maximum Non-Network Reimbursement Program (MNRP) guidelines apply
         **In general, your network provider must obtain prior authorization from UnitedHealthcare, as described in the Summary Plan Description at totalrewards.stryker.com/spd,
            before you receive certain covered health services. There are some network benefits, however, for which you are responsible for obtaining prior authorization from
            UnitedHealthcare.

2022 benefits at a glance                                                                                                                                                            6
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
Prescription plan—UnitedHealthcare HSA plans (continued)

         UnitedHealthcare HSA plans
         In the HSA plans, there are no copays for prescriptions drugs. Instead, you pay 100% of the cost for non-preventive prescription drugs,
         until you meet the HSA plan’s deductible.

           Prescription costs and coinsurance
           If your deductible has not been met...                            If your deductible has been met...
           You pay the full cost of your prescription drugs until your       You pay the applicable coinsurance amount for your prescription drugs until your
           medical plan deductible is met.                                   out-of-pocket maximum has been reached. The coinsurance amounts are:
           • Some Affordable Care Act (ACA) preventive medications
                                                                             UHC Premium HSA                          UHC Basic HSA
             are covered at 100% with no deductible requirement.
           • We cover certain core preventive medications before the         20%                                      30%
             deductible is met, meaning you only pay the appropriate
             coinsurance until you meet your out-of-pocket maximum.
           • To learn more and find a copy of the ACA preventive and
             Core preventive drug lists, as well as your Advantage 3-Tier
             Prescription Drug List (PDL), visit totalrewards.stryker.com.

2022 benefits at a glance                                                                                                                                       7
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
Kaiser Permanente
                                                                                                                                          of California
                                                                                                                                          800 464 4000
                                                                                                                                          Northern group number —17181

         Medical and prescription plans
                                                                                                                                          Southern group number —118506
                                                                                                                                          kaiserpermanente.org

         Medical plan — Kaiser Permanente             Plan provision                                               In-network medical coverage only
         of California                                Annual deductible
         The Kaiser Permanente of California plans    Employee                                                     $250
         are only available to employees who live     All other coverage tiers                                     $500
         or work in the state of California.
                                                      Annual out-of-pocket maximum for coinsurance
         California participants may also select      Employee                                                     $3,000
         any of the UHC PPO or UHC HSA Plan           All other coverage tiers                                     $6,000
         offerings.

                                                                                                                   You pay
                                                      Preventive care                                              $0 copay
                                                      Office visits
                                                      Primary care and specialist                                  $10 copay
                                                      Mental health and substance abuse treatment
                                                      Inpatient                                                    10% after deductible
                                                      Outpatient                                                   $10 copay
                                                      Emergency care
                                                      Medical emergency                                            10% after deductible
                                                      Non-emergency                                                10% after deductible
                                                      Urgent care/walk-in                                          $10 copay
                                                      Hospital service
                                                      Inpatient and outpatient                                     10% after deductible
                                                      Lab and X-ray                                                $10 copay

                                                      Prescription copayments
                                                                                                                                            Drug formulary
                                                                                        Generic                    Brand name               required?
                                                      Retail –
                                                                                        $10                        $30                      Yes
                                                      30-day supply
                                                      Mail order –
                                                                                        $20                        $60                      Yes
                                                      100-day supply
                                                     All care and services must be coordinated by a Kaiser Permanente physician.
2022 benefits at a glance                                                                                                                                            8
2022 benefits at a glance - Find this document and more information about your benefits online, on Stryker's Total Rewards site at ...
Blue Access® Gold for
                                                                                                      Business BlueCard PPO
                                                                                                      Blue Cross Blue Shield
                                                                                                      of Alabama

         Medical and prescription plans
                                                                                                      800 292 8868
                                                                                                      Group number —82059
                                                                                                      bcbsal.com

         Medical plan — Blue Cross Blue Shield of Alabama
         Blue Cross Blue Shield of Alabama is only available to employees who reside in Alabama.
         Alabama participants may also select the UHC PPO or UHC HSA plan offerings.

           Plan provision                In-network                      Out-of-network
           Annual deductible

           Employee                      $500                            $500

           All other coverage tiers      $1,000                          $1,000

           Annual out-of-pocket maximum for coinsurance
           Employee                      $5,000 (including annual        There is no out-of-pocket
                                         deductible)                     maximum for out-of-network
                                                                         services
           All other coverage tiers      $10,000 (including annual
                                         deductible)

2022 benefits at a glance                                                                                                      9
Medical plan—Blue Cross Blue Shield of Alabama (continued)

                                                          In-network                                             Out-of-network
                                                          You pay                                                You pay
           Preventive care                                0%                                                     Not covered

           Office visits
           Primary care                                   $35                                                    20% of the allowed amount subject to annual
           Specialist                                     $50                                                    deductible
           Emergency care                                 $200 copay                                             $200 hospital copay and subject to annual
           Medical emergency                                                                                     deductible
                                                                                                                 Mental health and substance abuse services:
                                                                                                                 $200 hospital copay
           Inpatient hospital and physician benefits (includes mental health and substance abuse)
           Preadmission certification is required for inpatient admissions (except medical emergency services and maternity); notification within 48 hours for
           emergencies. Call 800 248 2342 (toll free) for precertification.
           Inpatient hospital                             Lower member cost share: $200 per day                  20% of the allowed amount after $800 per
                                                          hospital copay (days 1-5 for each admission)           admission deductible
                                                          Higher member cost share: $400 per day                 Note: In Alabama, available only for medical
                                                          hospital copay (days 1-5 for each admission)           emergency and accidental injury
           Inpatient physician visits and                 0% up to the allowed amount subject to annual          20% of the allowed amount subject to annual
           consultations                                  deductible                                             deductible; in Alabama, 50% of the allowed amount
                                                          Mental health and substance abuse services:            subject to annual deductible
                                                          0% up to the allowed amount; no copay or               Mental health and substance abuse services:
                                                          deductible                                             20% of the allowed amount; no copay or deductible
           Outpatient hospital benefits (includes mental health and substance abuse)
           Outpatient surgery (including                  Lower member cost share: $200 hospital copay           20% of the allowed amount subject to annual
           ambulatory surgical centers)                   Higher member cost care: $400 hospital copay           deductible; not covered in Alabama
           Lab and X-ray                                  0% of the allowed amount; no copay or deductible       20% of the allowed amount subject to calendar year
                                                                                                                 deductible

2022 benefits at a glance                                                                                                                                             10
Prescription plan—Blue Cross Blue Shield of Alabama

           Plan provision                                                      In-network
           Prescription drug benefits (includes mental health and substance abuse)*
                                                                               • Generic drugs: $15 copay per prescription
                                                                               • Preferred brand drugs: $40 copay per prescription
                                                                               • Other brand drugs: $60 copay per prescription
                                                                               • Specialty drugs: $100 copay per prescription

           Mail order pharmacy benefits                                        • Generic drugs: $37.50 copay per prescription
           • Up to 90-day supply with one copay                                • Preferred brand drugs: $100 copay per prescription
           • Mail order drugs are available through PrimeMail® (Enroll         • Other brand drugs: $150 copay per prescription
             online at bcbsal.com or call 877 579 7627)                        • Specialty drugs: Not covered
         *Out-of-network prescription drugs are not covered.

2022 benefits at a glance                                                                                                             11
Hawaii Medical Service
                                                                                                  Association (HMSA)
                                                                                                  800 776 4672
                                                                                                  Group number—32908-1-4

         Medical and prescription plans
                                                                                                  Stryker Employment
                                                                                                  Company LLC
                                                                                                  hmsa.com

         Medical plan — Hawaii Medical Service Association
         Hawaii Medical Service Association (HMSA) is only available to employees who reside in
         the state of Hawaii. Benefits subject to change.

           Plan provision                  In-network                    Out-of-network
           Annual deductible

           Employee                        $350                          $350

           Family                          $1,050                        $1,050

           Annual medical out-of-pocket maximum

           Employee                        $3,000                        $3,000

           Family                          $9,000                        $9,000

           Annual prescription drug out-of-pocket maximum

           Employee                        $3,600                        $3,600

           Family                          $4,200                        $4,200

2022 benefits at a glance                                                                                                  12
Medical and prescription plan—Hawaii Medical Service Association (continued)

           Medical plan                                    In-network                           Out-of-network
                                                           You pay                              You pay
           Preventive care*                                No charge                            30% after deductible
           Office visits Primary care and specialist       $17 copay                            30% after deductible
           Mental health and substance
           abuse treatment
           Inpatient
             Physician services                            20% after deductible                 30% after deductible
             Hospital and facility services                20% after deductible                 30% after deductible
           Outpatient
             Physician services                            $17 copay                            30% after deductible
             Hospital and facility services                20% after deductible                 30% after deductible
           Emergency care
           Physician services                              $17 copay                            $17 copay
           Emergency room                                  20% after deductible                 20% after deductible
           Emergency medical transportation (ground/air)   20% after deductible                 30% after deductible
           Hospital service Inpatient and outpatient       20% after deductible                 30% after deductible
           Lab and X-ray                                   20% after deductible                 30% after deductible
         *Age and frequency limitations may apply.

           Prescription plan              In-network                              Out-of-network
                                          Retail –         Mail order –           Retail –                 Mail order –    For more information
                                          30-day supply    90-day supply          30-day supply            90-day supply   about HMSA prescription
           Tier 1                         $7 copay         $11 copay              $7 copay; then           Not covered     drug coverage, visit
                                                                                  20% coinsurance                          hmsa.com.
           Tier 2                         $30 copay        $65 copay              $30 copay; then          Not covered
                                                                                  20% coinsurance
           Tier 3                         $30 copay        $65 copay              $30 copay; then          Not covered
                                                                                  20% coinsurance
           Tier 4                         $100 copay       Not covered            Not covered              Not covered
           Tier 5                         $200 copay       Not covered            Not covered              Not covered

2022 benefits at a glance                                                                                                                            13
Transamerica Life
                                                                                                     Insurance Company
                                                                                                     800 626 9069
                                                                                                     Group number—G000042560

         Supplemental health benefits
                                                                                                     totalrewards.stryker.com

         Even with comprehensive coverage from your primary medical plan,
         you will still have some out-of-pocket expenses if you get critically ill
         or are seriously injured.
         Supplemental health insurance offers additional protection to help you pay for these
         expenses, and are intended to supplement your primary medical plan by providing
         payments in the event of a significant illness, accident or hospital stay. We offer three
         supplemental health policies to all regular employees working 20 hours or more:

         • Critical illness insurance
         • Accident insurance
         • Hospital indemnity insurance

         You can find more information about supplemental health insurance and how the
         policies work on the next few pages, or by visiting totalrewards.stryker.com.

2022 benefits at a glance                                                                                                       14
Transamerica Life
                                                                                                       Insurance Company
                                                                                                       800 626 9069
                                                                                                       Group number —G000042560

          Critical illness insurance
                                                                                                       totalrewards.stryker.com

          If you experience a covered illness, critical illness insurance
          provides a lump-sum benefit payment of up to $15,000 to help
          cover out-of-pocket expenses not covered by your medical plan.
          Underwritten by Transamerica Life Insurance Company
          Benefits will vary by disease or illness, with some ailments paying out a smaller
          lump-sum. To learn more about how this policy works, including specific benefit
          payment amounts, go to totalrewards.stryker.com. Covered illnesses include,
          but are not limited to:

          • Heart attack                                             • End stage renal failure
          • Stroke                                                   • Alzheimer’s Disease
          • Coronary artery bypass surgery                           • Second diagnosis of a covered
                                                                       critical illness or cancer
          • Major organ transplant

          Note: Some illnesses are only eligible for a percentage of the benefit payment
          amount. Please reference your policy brochure for additional details.

          Limitations and exclusions may apply. Click here for details.
          This is a brief summary of CriticalEvents® Critical illness indemnity insurance
          underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
          Policy Form Series TMCI1000-0118 and TCCI1000-0118. Forms and numbers may vary.
          Insurance may not be available in all jurisdictions. Limitations and exclusions apply.
          Refer to the policy, certificate and riders for complete details.

2022 benefits at a glance                                                                                                         15
1763363 09/21
Transamerica Life
                                                                                                                                        Insurance Company
                                                                                                                                        800 626 9069
                                                                                                                                        Group number —G000042560

          Accident insurance
                                                                                                                                        totalrewards.stryker.com

          Accident insurance pays you                             Underwritten by Transamerica Life Insurance Company
          a cash benefit to help cover                            Accident insurance includes, but is not limited to, benefits for the following:
          out-of-pocket medical and other                         • Fracture and dislocation                        • Emergency room services
          expenses, so you can focus on
                                                                  • Hospital confinement                            • And more
          getting well. The amount you
          receive is dependent on the                             Limitations and exclusions may apply.
                                                                  Click here for details.
          type of injury as well as the
          treatment needed. To learn
          more about how this policy
          works, including specific
          benefit payment amounts, go to
          totalrewards.stryker.com.

          This is a brief summary of AccidentAdvance®
          accident-only insurance underwritten by
          Transamerica Life Insurance Company, Cedar
          Rapids, Iowa. Policy Form Series CPACC100 and
          CCACC200-0118. Forms and numbers may vary.
          Insurance may not be available in all jurisdictions.
          Limitations and exclusions apply. Please refer to the
          policy, certificate and riders for complete details.

2022 benefits at a glance                                                                                                                                          16
1763363 09/21
Transamerica Life
                                                                                                                                    Insurance Company
                                                                                                                                    800 626 9069
                                                                                                                                    Group number —G000042560

          Hospital indemnity insurance
                                                                                                                                    totalrewards.stryker.com

          Spending time in a hospital,                                Underwritten by Transamerica Life Insurance
          especially for an extended                                  Company
          stay, can be expensive and                                  Below are a few examples of how your hospital indemnity
          cause lasting financial strain.                             insurance could be used (policy amounts may vary):

          Hospital indemnity insurance                                • Medical expenses, such as deductibles and copays
          is an easy way to get added                                 • Travel, food and lodging expenses for family members
          financial protection to help you                            • Child care
          pay for medical or ongoing living
                                                                      • Everyday expenses like utilities and groceries
          expenses. This money can help
          offset the hospital bill, take care                         Limitations and exclusions may apply.
                                                                      Click here for details.
          of day-to-day expenses or pay
          for anything else you need while                            For more information on how this insurance
                                                                      works, go to totalrewards.stryker.com.
          you are in the hospital.

          This is not major medical insurance and is not a substitute for major medical insurance. It does not qualify
          as minimum essential health coverage under the federal Affordable Care Act.

          This is a brief summary of Hospital Select® II hospital indemnity insurance policy underwritten by Transamerica
          Life Insurance Company, Cedar Rapids, Iowa. Policy Form Series TMHI1000-0118. Forms and numbers may vary.
          Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate
          and riders for complete details.

2022 benefits at a glance                                                                                                                                      17
1763363 09/21
Delta Dental of Michigan
                                                                                                 Delta Dental Premier
                                                                                                 and PPO
                                                                                                 800 524 0149

         Dental plan—Delta Dental
                                                                                                 Group number —5480
                                                                                                 deltadentalmi.com

         Healthy teeth and gums are important to your overall wellbeing, and                     Learn more about
         the dental plan from Delta Dental can help you maintain your dental                     your dental benefits
                                                                                                 and find a full list of
         health. The plan pays for most preventive and diagnostic care and                       covered services on
         helps cover the cost of basic and major restorative treatments.                         totalrewards.stryker.com.

         With the Delta Dental PPO Plan, you have the freedom to choose any provider you wish,
         but you may save more money and receive a higher level of coverage when you see an
         in-network Delta Dental PPO or Delta Dental Premier dentist.

           Delta Dental plan
           Annual deductible
           Employee                                                  $50
           Employee + 1                                              $100
           Family                                                    $150
           Annual out-of-pocket maximum
           Per calendar year excluding orthodontics                  $2,000
           Lifetime maximum benefit paid for orthodontics            $2,000

2022 benefits at a glance                                                                                                    18
Dental plan—Delta Dental (continued)

           Delta Dental plan
                                                                      PPO dentist/      Nonparticipating
                                                                      Premier dentist   dentist
                                                                      You pay           You pay
           Class I benefits                                           0%                0%
           • Diagnostic and preventive services (includes exams,
             cleanings, fluoride, and space maintainers)
           • Emergency palliative treatment (to temporarily
             relieve pain)
           • Radiographs/X-rays
           Class II benefits                                          20%               20%
           • Minor restorative services (includes fillings)
           • Oral surgery services (extractions and dental surgery)
           • Relines and repairs (to bridges and dentures)
           Class III benefits                                         50%               50%
           • Major restorative services (includes crowns)
           • Implants (endosteal implants to replace missing teeth)
           Class IV benefits
           • Orthodontic services (includes braces)                   50%               50%
           • Orthodontic age limit (unless medically necessary)       To age 19         To age 19

2022 benefits at a glance                                                                                  19
EyeMed Vision Care
                                                                                                              866 939 3633
                                                                                                              Group number —9706201
                                                                                                              eyemed.com

         Vision plan—EyeMed
         Your vision benefits are so much   EyeMed Vision Care
         more than an eye exam—they                                                In-network                  Out-of-network
         can help you save money and        Exam with dilation as necessary        $0 copay                    Up to $35
         stay healthy. Even if you don’t    Frames                                 $150 allowance;             Up to $45
         wear glasses or need corrective                                           you pay 80% of
                                                                                   balance over $150
         lenses, your eyesight can change
                                            Standard plastic lenses
         at any time. Some serious            Single vision                        $25 copay                   Up to $40
         health problems can show early       Bifocal                              $25 copay                   Up to $60
         signs through your eyes, so it’s     Trifocal                             $25 copay                   Up to $80
                                              Lenticular                           $25 copay                   Up to $80
         important to take advantage of
                                            Contact lenses
         your vision plan.                  (in lieu of standard plastic lenses)
                                              Conventional                         $150 allowance;             Up to $105
                                                                                   you pay 85% of
                                                                                   balance over $150
                                             Disposables                           $150 allowance;             Up to $105
                                                                                   you pay balance
                                                                                   over $150
                                             If medically necessary                Paid in full                Up to $210

                                            Service frequency
                                            Exam with dilation                     Once every calendar year
                                            Frames                                 Once every calendar year
                                            Standard plastic lenses or contacts    One set of lenses or contacts every calendar year

2022 benefits at a glance                                                                                                              20
UnitedHealthcare
                                                                                                                 800 387 7508
                                                                                                                 Group contract
                                                                                                                 number —703998

         Flexible Spending Accounts
         (FSAs)
         Flexible Spending Accounts (FSAs) allow employees to contribute to an                 A list of eligible expenses can be found
                                                                                               at myUHC.com or visit irs.gov and see
         account through pre-tax deductions from each paycheck. The money
                                                                                               Publication 502. Please note that the
         accumulated can be used for reimbursement of out-of-pocket health                     funds you contribute to a flexible
         or day care (child and adult) expenses.                                               spending account are subject to
                                                                                               IRS and plan rules. Please see the
         Healthcare Flexible Spending              Day Care (child and adult)                  summary plan description for claims
                                                                                               filing deadlines and forfeiture rules.
         Account (HCFSA)                           Flexible Spending Account
         The minimum annual contribution           (DCFSA)
         is $100 and the maximum is $2,750.        The minimum annual contribution is $100
         Examples of eligible expenses include     and the maximum is $5,000. Examples
         but are not limited to the following:     of eligible expenses include but are not
         copayments, coinsurance amounts,          limited to the following: day care center
         hearing exams, hearing aids and laser     charges for a child or an incapacitated
         eye surgery.                              elderly adult, after-school care, baby-
         You can participate in an HCFSA as long   sitter charges during the hours when
         as you are not participating in an HSA.   the employee and spouse/domestic
                                                   partner are working, looking for work,
                                                   attending school full-time or disabled.
                                                   The DCFSA is available to all
                                                   benefits-eligible employees.

2022 benefits at a glance                                                                                                                 21
Optum Bank
                                                                                                                             800 387 7508
                                                                                                                             Group number —703997
                                                                                                                             myUHC.com

         Health Savings Account
         (HSA)
         The Health Savings Account (HSA) is a triple tax-advantaged savings                       For more information, visit irs.gov and
                                                                                                   see Publication 969 or contact myHR.
         account available to employees enrolled in either the Premium HSA
         Plan or the Basic HSA Plan.                                                               A list of eligible expenses can be found
                                                                                                   at myUHC.com or visit irs.gov and see
         • Employees contribute to the account through before-tax deductions                       Publication 502.
           from each paycheck (lowering your taxable income).
                                                                                                   1
                                                                                                       Direct temporary employees and interns are not
         • Funds can be withdrawn tax-free to pay for eligible healthcare                              eligible for Stryker HSA funding but are eligible
           expenses and money in the account rolls over from year to year.                             to elect and contribute their own funds to the
                                                                                                       account.
         • Once you reach a balance of $2,100, you have the option to invest                       2
                                                                                                       If you enroll during the Annual Enrollment
           some of your balance and potentially grow your account with                                 period, Stryker’s contribution will be available
                                                                                                       in your account by January 31, 2022. If you are
           tax-free earnings.                                                                          a new hire or have a qualifying life event that
                                                                                                       allows you to enroll in an HSA plan mid-year, your
         Employee and employer contributions                                                           Stryker contribution will be deposited as soon as
                                                                                                       administratively possible and is typically made
         Stryker also makes an annual contribution to your HSA as long as you are enrolled in a        after the first payroll following the effective date
         Stryker HSA medical plan and your account is successfully opened at Optum1,2. You and         of your enrollment in a qualifying medical plan.
         Stryker can contribute up to the annual IRS limit. The Stryker contribution amount will       If you enroll in an HSA mid-year, you may only
                                                                                                       be eligible to contribute a prorated amount. Visit
         vary based on the plan you choose and your coverage tier. See page 5 for details.
                                                                                                       totalrewards.stryker.com for more information.
         There are limits on how much you and Stryker, together, can contribute to your account.
         The limits for 2022 are:
         • $3,650 annually for individual coverage.
         • $7,300 annually if you cover your spouse/domestic partner or dependents.
         • An additional $1,000 per year as a catch-up contribution, if you are age 55 or older.

2022 benefits at a glance                                                                                                                                     22
Strive
                                                                                                                   833 643 0408
                                                                                                                   strive.stryker.com

         Wellbeing program
         All full-time and regular            There are several aspects of the Strive program and each one will contribute to your overall
                                              wellbeing. Choose what you want to work on, track your progress and earn points toward
         part-time employees and their
                                              great rewards.
         spouses/domestic partners are
                                              • Daily cards – Easy-to-digest                   • Journeys – Digital coaching that
         eligible to participate in Strive,
                                                information that will improve your               covers lifestyle topics including
         Stryker’s wellbeing program.           wellbeing knowledge and inspire you.             nutrition, physical activity, sleep,
         Use Strive to learn about,                                                              stress and financial wellbeing.
                                              • Healthy habits – Track habits to
         implement and maintain                 reinforce healthy behaviors.                   • Challenges – Challenge yourself,
         healthy habits.                                                                         challenge others and join team
                                                                                                 challenges to keep your motivation
                                                                                                 and accountability up.

                                              Wellbeing partners
                                              Within Strive, you’ll find four valuable resources to help you reach your potential and stay
                                              accountable to your wellbeing goals.
                                              • Ayco (financial wellbeing partner) – Participate in one-on-one financial coaching
                                                and find tools and resources that will help you manage your finances including taxes,
                                                investment planning and achieving financial goals.
                                              • Foodsmart (nutrition partner) – Receive personalized nutrition guidance and create
                                                custom meal plans from simple, tasty recipes you’ll love.
                                              • Whil (mindfulness partner) – Whil is a goal-based mindfulness program that can help
                                                you learn to meditate and retrain your brain to react more positively in your daily life.
                                              • Wellbeats (physical wellbeing partner) – Join over 600 workout classes on demand
                                                including yoga, HIIT, strength training and walking/running.

2022 benefits at a glance                                                                                                                    23
Strive
                                                                  833 643 0408
                                                                  strive.stryker.com

         Tobacco cessation program
         We are committed to promoting the health and wellbeing
         of our employees and their families. The goal of our
         healthcare program is not only to make sure you have
         access to the services you need when you are sick,
         but to help you live a healthier life. All regular
         full-time and part-time employees and spouses/
         domestic partners are eligible to participate in
         the Strive tobacco cessation journeys available
         at strive.stryker.com.

2022 benefits at a glance                                                              24
LifeWorks
                                                                                   866 785 4572
                                                                                   stryker.lifeworks.com
                                                                                   User ID: stryker

         Employee Assistance
                                                                                   Password: 4260

         Program (EAP)
         LifeWorks, Stryker’s Employee Assistance Program (EAP) provider,
         offers a range of services to assist you with daily concerns including,
         but not limited to: stress and depression, living wills, investment/
         retirement planning, paying for higher education, work relationships,
         childcare options and referrals, single parenting and blended families,
         elder care options, living with a disability and substance abuse.
         LifeWorks will deliver practical solutions, information, advice and
         support to manage the demands of everyday life. This program is
         confidential, is available at no cost to employees and their families
         and includes up to five free counseling sessions.

2022 benefits at a glance                                                                                  25
The Hartford
                                                                                                                    888 563 1124
                                                                                                                    Group number —GL-675443

         Group life insurance                                                                                       You can designate
                                                                                                                    and update your life
                                                                                                                    insurance beneficiaries
         Planning ahead for your family’s financial security is important,                                          via enroll.stryker.com.
         in case the unexpected happens. That’s why Stryker provides basic
         life insurance and accidental death and dismemberment (AD&D)
         insurance—at no cost to you—to help protect you and your
         loved ones.

         Basic life and AD&D                         Supplemental life insurance                 Spouse/domestic partner
         All regular employees working 20 hours      Full-time employees can purchase            and dependent life insurance
         or more are provided with basic term life   supplemental life insurance through         Full-time employees may choose to elect
         and accidental death and dismemberment      payroll deductions on an after-tax basis.   life insurance for their spouse/domestic
         (AD&D) insurance, fully paid for by         The coverage is available from one times    partner and/or child(ren)/domestic
         Stryker. The basic coverage amount for      up to five times of the employee’s          partner’s child(ren). Coverage is $10,000
         both life and AD&D is equal to one times    basic earnings, with a maximum of           for a spouse/domestic partner ($1.28 per
         your basic earnings (up to a maximum        $1,000,000. The cost of the coverage is     month) and $10,000 for each child ($1.04
         of $425,000).                               based on your age and your income and       per month), regardless of the number
                                                     can be found on the Benefits Enrollment     of children. The employee will pay the
                                                     Site (enroll.stryker.com).                  full cost of the life insurance coverage
                                                                                                 on an after-tax basis. Dependents do
                                                                                                 not have to be enrolled in Stryker’s
                                                                                                 health plan in order to be eligible for
Please visit the Summary Plan Description at                                                     dependent life insurance. The beneficiary
totalrewards.stryker.com/spd for details on                                                      is automatically the employee. You do not
Guaranteed Issue amounts and policy details.                                                     have to provide evidence of insurability
                                                                                                 (EOI) to buy life insurance coverage for
                                                                                                 your child, spouse or domestic partner.

2022 benefits at a glance                                                                                                                     26
The Hartford
                                                                                                      877 936 6052
                                                                                                      Short-term disability
                                                                                                      Group number —GRH-071674

         Short-term and long-term                                                                     Long-term disability
                                                                                                      Group number —GLT-675443

         disability
         Short-term and long-term disability is provided at no cost to
         employees. The Hartford’s disability professionals will review medical
         information and make a determination on if the disability claim can
         be approved.
         Short-term disability
         Employees are eligible for one day up to 180 days of disability benefits if approved by
         The Hartford. The maximum length of disability payments is 180 days. Short-term
         disability is coordinated with state disability benefits if applicable.

         Long-term disability
         After the short-term disability benefit is exhausted, full-time employees are eligible for
         long-term disability benefit with 60% of basic monthly earnings not to exceed a maximum
         monthly benefit of $15,000, if approved by
         The Hartford. When an individual is eligible
         for Social Security, the benefit will be
         coordinated with the Social Security benefit
         and an individual will never receive more than
         60% of earnings.

2022 benefits at a glance                                                                                                        27
Adoption assistance
         Stryker provides up to $5,000 in reimbursement
         for expenses related to an adoption, with a
         maximum of two claims allowed per lifetime.
         Please contact myHR for further information or visit the
         Work/life section of totalrewards.stryker.com.

2022 benefits at a glance                                           28
Tuition reimbursement plan
         Stryker supports reimbursement for educational programs that
         maintain and improve an employee’s skills in their current job
         or in future work within the company. All regular, full-time
         employees in good standing are eligible to participate.
         In order to be eligible for reimbursement, the Tuition Reimbursement
         Approval form must be properly submitted to your manager and your HR
         department for approval. The maximum reimbursement amount per employee
         is $15,000 per calendar year.
         Stryker will also reimburse certain additional costs, including books.
         IRS regulations require you to be taxed on any tuition reimbursement
         received in any tax year over $5,250. Please refer to the Summary
         Plan Description for additional plan limits.

2022 benefits at a glance                                                         29
Vanguard
                                                                                                                           800 523 1188
                                                                                                                           Plan number —090081
                                                                                                                           vanguard.com

         401(k) plan
         Stryker is committed to supporting your financial well-being, which                            Company discretionary
         is why we provide the Stryker Corporation 401(k) Savings and                                   contributions
         Retirement Plan to help you prepare for retirement by offering an                              At the end of each plan year, the
                                                                                                        company will decide on the amount of
         easy, tax-advantaged way to save for your future financial needs.                              its discretionary contribution for that
         Employees who are at least 18 years of age are eligible to participate in the 401(k) plan.     year. No discretionary contribution
         The plan has an auto enrollment feature, which means 3% of pre-tax earnings will be            is required to be made by the
         deducted as a 401(k) contribution, beginning approximately 30 days after an employee’s         company. Those employees in a sales
         first paycheck. Additionally, each March (or a month of the participant’s choice) the          representative role are not eligible for
         deferral rate will be increased by 1%, until the deferral rate reaches 15%. Employees may      the company discretionary contribution.
         enroll at a higher rate, change the investment allocation or opt out of the 401(k) at any
         time after they receive their welcome letter from Vanguard. Please be sure to enter            Additional information
         your beneficiary information on vanguard.com or request a beneficiary form                     Additional information with regard
         from Vanguard by calling them directly.                                                        to rollovers, taxation and catch-up
                                                                                                        contributions can be found in the
         Contributions                                    Company matching contributions                401(k) Summary Plan Description.
         Participants can choose to make                  Stryker provides a matching contribution      You can also find more information
         pre-tax contributions, Roth after-tax            on the first 8% of eligible pay contributed   about your 401(k) plan, including
         contributions or a combination of                by each participant, equal to $.50 for        company discretionary contributions,
         pre-tax and Roth contributions.                  every $1.00 the participant contributes.      vesting, investment choices and more
         Pre-tax contributions will not be subject        Thus, the maximum matching                    on totalrewards.stryker.com in the
         to federal or state income tax. A roll-in        contribution is 4%. Any eligible pay          Money section.
         provision is also available for employees.       contributed by the participant above the
                                                          applicable limit is not matched.

2022 benefits at a glance                                                                                                                          30
Computershare
                                                                                   800 639 0119
                                                                                   www-us.computershare.
                                                                                   com/employee

         Employee Stock
         Purchase Plan (ESPP)
         Employees who are at least 18 years of age are eligible to
         participate in the Employee Stock Purchase Plan (ESPP).
         Employees may purchase Stryker stock at a 5% discount
         from Fair Market Value through the ESPP. Stryker pays
         all fees for stock purchases through this plan. Enrollment/
         change periods are the first 15 days of every month. Please
         refer to the ESPP Explanatory Guide for more information.
         For more details visit totalrewards.stryker.com/spd, or visit the Money
         section of totalrewards.stryker.com.
         For questions, contact myHR.

2022 benefits at a glance                                                                                  31
For part-time employee
                                                                                                                     costs of coverage, visit
                                                                                                                     enroll.stryker.com or

         Cost of coverage                                                                                            contact myHR.

         Completion of the Tobacco        Medical, dental and vision plans (monthly full-time employee costs)
         Use Affidavit is required if                                                       Employee only Employee + 1            Family
         electing medical coverage. An    UHC Choice PPO Plan and Out-of-Area Plan          $151              $296                $464
         additional $50 monthly Tobacco   UHC Value PPO Plan                                $133              $257                $406
         Use Surcharge will be added      UHC Premium HSA Plan                              $114              $214                $341
         if you or your covered spouse/
                                          UHC Basic HSA Plan                                $62               $82                 $113
         domestic partner are tobacco
                                          Kaiser Permanente of Northern                     $172              $315                $496
         users and have not completed     California
         the LifeWorks CareNow Tobacco    Kaiser Permanente of Southern                     $134              $236                $350
         and Nicotine Cessation program   California

         or other physician-directed      Blue Cross Blue Shield of Alabama                 $137              $252                $372

         program.                         Hawaii Medical Service Association                $28               $278                $432

                                          Delta Dental                                      $20               $40                 $60

                                          EyeMed Vision                                     $5                $10                 $15

                                          Supplemental life insurance
                                          The cost of the coverage is based on your age and your income and can be found on the Benefits
                                          Enrollment Site (enroll.stryker.com).

                                          Spouse/domestic partner and dependent life insurance
                                          (monthly full-time employee costs)
                                          Spouse/domestic partner                        $1.28 per month
                                          ($10,000 of coverage)
                                          Each child                                     $1.04 per month
                                          ($10,000 of coverage)                          (regardless of the number of children)

                                                                                                                  (Continued on the next page)

2022 benefits at a glance                                                                                                                        32
Cost of coverage (continued)

          Critical illness insurance (monthly employee costs)
          Age of employee          Employee           Employee + child(ren) (one-parent family)     Employee + spouse/domestic partner/Family
                                                                                                    (two-parent family)
          Under 25                 $3.35              $3.65                                         $4.25

          25 – 29                  $4.25              $4.55                                         $5.45

          30 – 34                  $5.00              $5.30                                         $6.65

          35 – 39                  $6.35              $6.65                                         $8.75

          40 – 44                  $9.35              $9.65                                         $13.70

          45 – 49                  $15.50             $15.80                                        $22.40
          50 – 54                  $22.25             $22.55                                        $33.05

          55 – 59                  $31.85             $32.15                                        $47.30

          60 – 64                  $44.45             $44.75                                        $66.65

          65+                      $81.50             $81.80                                        $122.00

           Accident insurance (monthly employee costs)                           Hospital indemnity insurance (monthly employee costs)
           Employee                                   $7.54                      Employee                                   $14.87

           Employee + spouse/domestic partner         $11.62                     Employee + spouse/domestic partner         $31.50

           Employee + child(ren)                      $10.12                     Employee + child(ren)                      $21.79

           Family                                     $14.54                     Family                                     $35.65

2022 benefits at a glance                                                                                                                       33
Need more information?

         • Contact myHR at myhr.stryker.com
           or call 877 795 2002.
         • Visit totalrewards.stryker.com.

The benefits outlined in this document are summaries only and are subject to the actual provisions of the respective plan documents in effect covering such benefits. Stryker reserves the
right to alter, modify, amend, or terminate these benefits within the law, in a manner in which we believe to be in our and our associates’ best interest as affected by business conditions.
If there are any differences between the information in this summary and the plan documents or contracts, the plan document or contract will prevail.

2022 benefits at a glance
1763363 09/21
You can also read